357 Howard St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 357 Howard St, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,101 sqft · built 2016
Lot Size	2.86 acres (124,860 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jan 2012)
Tax Bill	$16,335 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0200 L:0043`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0200 L:0043`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,101 sqft Living Area
Gross Area	5,731 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	124,860 sqft (2.86 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	357 HOWARD ST
City	NORTHBOROUGH
State	MA
Zip	01532-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	43
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	3
Census Block	3006
Census Tract	740101

Owner

357 Howard St is owned and occupied by two individuals who acquired it in September 2026.

Source: Worcester County and Northborough Town records, as of October 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SAVINGS BANK
Sep 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage FEDERAL SAVINGS BANK
May 30, 2025	Deed of Trust, Mortgage · Line of Credit SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2012 · Amount on File
Deed Sale	Jan 17, 2012 · Amount on File
Deed Book / Page	48412 / 135
Last Transfer Date	Sep 10, 2026
Transfer Doc	0000081862
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Recording Date	Sep 18, 2026
Property Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Document Number	0000081863
Book / Page	74184 / 253
Instrument Date	Sep 10, 2026
Instrument	202681863
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030

Mortgage

Document Number	0000081863,
Date	Sep 18, 2026
Book Page	74184/253
Instrument	202681863

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Sep 18, 2026
Property Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Document Number	0000081862
Book / Page	74184 / 247
Instrument Date	Sep 10, 2026
Instrument	202681862
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030

Mortgage

Date	Sep 18, 2026

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072055-77
Date	May 30, 2025
Book Page	72055/77
Instrument	43318

Lender

Name	SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068431-37
Date	Nov 1, 2022
Book Page	68431/37
Instrument	118030

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	357 HOWARD ST, NORTHBOROUGH, MA 01532-1030
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60116-262
Date	Mar 5, 2019
Book Page	60116/262
Instrument	19695

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 357 Howard St was $16,335, up 9% from the year before.

Source: Worcester County and Northborough Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,335.00 (+9.02%)	$1,146,300 (+9.25%) Land $359,100 Building $787,200	$1,270,720 (+35.7%)
2024	$14,983.00 (+9.09%)	$1,049,200 (+12.98%) Land $290,600 Building $758,600	$936,415
2023	$13,735.00	$928,700 Land $275,400 Building $653,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 357 Howard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 357 Howard St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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